Iowa SR22 Insurance Filing Information
The Iowa DMV, together with the Secretary of State, requires each driver owning a vehicle in the state of Iowa to maintain insurance. Non-owner insurance can also be maintained if there is no vehicle owned. If circumstances exist, the state can mandate SR22 insurance on an individual to track the progress of a given policy. The SR-22 requirement is usually given for 2 years, and can be purchased in several forms. Common to all of these is the participation by the state to insure compliance with financial responsibility, and to keep participants honest about maintaining their policies without lapse. If an SR22 policy is taken out to release the license, and then cancelled prior to the state mandated finish date, the license will suspend immediately. Basically, the deal that you will be entering in to with Iowa is as follows...
You agree to maintain at least state minimum liability in some form, with an SR22 attached, in exchange for a valid license. As long as you keep the selected policy in place, and renew on time, your license will stay valid. Eventually, you will complete the time frame required by the state, and you can drop the policy if you wish.
The state of Iowa, along with most states, participate in the SR-22 system of communication in order to monitor the insurance policies of select citizens. These individuals include offenders for DUI, no insurance tickets, point violations, and other legal and civic offenses. The individual’s drivers license is the means by which the state controls compliance. Once a license is suspended/revoked for a violation/offense, the only way to reinstate is through an SR22 insurance policy. This policy can be written in several ways (explained below), but must contain at least state minimum liability limits (20/40/15 as written per person/per accident/property damage) Uninsured motorist, and a few other coverages can be waived to lower the price. Once a policy is written by WESSELL INSURANCE, the paperwork is immediately sent to the state for translation, and paperwork is also sent to the individual for signature and personal presentation, all within minutes. A new SR22 policy for Iowa will be customized to insure the least amount of interruption to your existing situation.
An Iowa SR-22 policy can be written in 2 catagories. A non-owner SR22 can be written to apply the minimum liability insurance to yourself, for vehicles that you operate and do not own. This type of policy can be obtained whether you own a vehicle or not. If you do not own a vehicle, the non-owner policy would be your only choice. However, if you do own a vehicle, or if you are already part of an existing auto policy, you can still use the non-owner (sometimes called named-operator) to take care of the SR22 requirement without involving any other drivers or any vehicles. This product is popular due to its discretion, and simplicity. The non-owner would have no bearing on the other policy, and no information will be shared to any other entity. The information obtained to acquire this policy would stay with WESSELL INSURANCE, and be between you, us, and the state ONLY. This is by far our most popular policy type, and it will release your license (no matter what state) and remove all holds no matter where you live (some clients live outside Iowa, but still have the requirement due to a happening within the state. In this scenario, the non-owner is the only choice, and the residence can be anywhere in the US.) An owner’s policy is the other SR22 policy that can be written in Iowa. We can apply an SR-22 to an insurance policy covering a car, truck, motorcycle, or scooter. The only requirement is that the vehicle can be legally driven on public roads. In this regard, the vehicle is covered to the requested limits, and the filing is sent to the state the same way, with license release. (BROAD-FORM SR22 policies are by far the least expensive, sold annually) We can cover traditional cars/trucks and motorcycles with liability and/or full coverage easily and quickly.
The state of Iowa accepts copies of the SR22 document to be presented by the individual trying to recover a license. With that, we can get you the necessary filing documents via email/fax to you within 30 minutes of purchase to present. WESSELL INSURANCE accepts credit/debit cards for all transactions, and we can usually finish the policy within 15 minutes. Every time you renew your SR22 policy, we shop the policy with all of our companies, to insure the best pricing.
Minimum mandatory insurance coverage for the State of Iowa is:
■ $20,000 bodily injury for one person in one accident
■ $40,000 for two or more persons in one accident
■ $15,000 property damage incurred in one accident
DO NOT ALLOW THE SR-22 HIGH-RISK AUTO INSURANCE TO LAPSE!
For additional information regarding Iowa financial responsibility SR-22 high-risk auto insurance contact:
Iowa’s Office of Driver’s Services
Park Fair Mall
100 Euclid Avenue
PO Box 9204
Des Moines, IA 50306-9204
Phone: 515 244-9124
515-244-8725
